Saints in the Shadows

hindrance-debt

DEBT (MINOR/MAJOR)

Sometimes a character needs or wants to start with that extra “something” other than cybernetics, but just doesn’t have the credits to make it happen. But hey, ami…this is 2090, and if you’re willing to sell your soul to a corporation or gang, you can always get credits on credit, ne? If you’re a pizza delivery driver and want to have that ride so you can work, for example, just head on down to Honest Rex and try his first-time buyer program.
As a Minor Hindrance, the character may make a single purchase of up to 15,000 credits, but must add 500 credits to his cost of living. Should he fail to make his payment, he must make it up the next session by paying double. If he fails to pay for two consecutive sessions, the character acquires the equivalent of the Wanted Hindrance as debt collectors (or Rex’s thugs) continually harass him for money. Should the character continue to default on his payments, at the very least his purchase will be repossessed—at the very worst he may find himself on the wrong end of a different sort of contract.
The Major version of this Hindrance works much the same, except the character may make a single purchase of up to 30,000 credits and must add 1,000 credits to his cost of living. The lender is also likely to be more…unhappy with defaulted payments.
Note the GM should use the optional Cost of Living rules at the back of the book if she’s going to allow this Hindrance.